| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5674% | 2,842 |
| Cost of funding earning assets | 1.0235% | 1,668 |
| Net interest margin | 3.5439% | 3,426 |
| Noninterest income to average assets | 0.4403% | 3,080 |
| Noninterest expense to average assets | 2.4780% | 3,497 |
| Loan and lease loss provision to assets | 0.0726% | 2,431 |
| Net operating income to assets | 1.0021% | 2,974 |
| Return on assets (ROA) | 1.0138% | 3,014 |
| Pretax return on assets | 1.2486% | 2,822 |
| Return on Equity (ROE) | 8.6449% | 3,033 |
| Retained earnings to average equity (ytd only) | 7.6301% | 1,568 |
| Net charge-offs to loans | 0.0640% | 1,902 |
| Credit loss provision to net charge-offs | 139.8210% | 1,725 |
| Earnings coverage of net charge-offs (x) | 25.1765% | 1,773 |
| Efficiency ratio | 65.2851% | 2,816 |
| Assets per employee ($millions) | 7.1389% | 974 |
| Cash dividends to net income (ytd only)* | 11.7384% | 3,321 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7415% | 4,567 |
| Loan loss allowance to noncurrent loans | 96.8896% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.8813% | 1,555 |
| Noncurrent loans to loans | 0.7653% | 2,059 |
| Net loans and leases to total assets | 82.3726% | 522 |
| Net loans and leases to deposits | 98.3880% | 778 |
| Net loans and leases to core deposits | 112.9924% | 798 |
| Total domestic deposits to total assets | 83.7222% | 2,926 |
| Equity capital to assets | 12.5021% | 1,911 |
| Core capital (leverage) ratio | 10.9217% | 2,718 |
| Tier 1 risk-based capital ratio | 13.8049% | 3,422 |
| Total risk-based capital ratio | 14.6125% | 3,548 |
| Memoranda: |
| Average total assets | $1,148,378,000 | 692 |
| Average earning assets | $1,083,714,000 | 671 |
| Average equity | $134,673,000 | 682 |
| Average total loans | $931,191,500 | 616 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5442% | 2,872 |
| Cost of funding earning assets | 1.0051% | 1,673 |
| Net interest margin | 3.5390% | 3,474 |
| Noninterest income to average assets | 0.4228% | 3,114 |
| Noninterest expense to average assets | 2.5222% | 3,409 |
| Loan and lease loss provision to assets | 0.0517% | 2,782 |
| Net operating income to assets | 0.9714% | 3,022 |
| Return on assets (ROA) | 0.9719% | 3,092 |
| Pretax return on assets | 1.1904% | 2,936 |
| Return on Equity (ROE) | 8.4669% | 3,082 |
| Retained earnings to average equity (ytd only) | 7.3780% | 1,663 |
| Net charge-offs to loans | 0.0649% | 1,726 |
| Credit loss provision to net charge-offs | 99.0099% | 2,019 |
| Earnings coverage of net charge-offs (x) | 23.7624% | 1,645 |
| Efficiency ratio | 66.8270% | 2,706 |
| Assets per employee ($millions) | 7.0833% | 962 |
| Cash dividends to net income (ytd only)* | 12.8615% | 3,221 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7166% | 4,676 |
| Loan loss allowance to noncurrent loans | 108.8773% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.7663% | 1,816 |
| Noncurrent loans to loans | 0.6582% | 2,309 |
| Net loans and leases to total assets | 80.0599% | 871 |
| Net loans and leases to deposits | 94.6884% | 1,183 |
| Net loans and leases to core deposits | 111.2008% | 904 |
| Total domestic deposits to total assets | 84.5509% | 2,665 |
| Equity capital to assets | 11.8025% | 2,342 |
| Core capital (leverage) ratio | 10.6134% | 2,968 |
| Tier 1 risk-based capital ratio | 13.2208% | 3,724 |
| Total risk-based capital ratio | 13.9949% | 3,884 |
| Memoranda: |
| Average total assets | $1,159,949,000 | 681 |
| Average earning assets | $1,094,988,330 | 664 |
| Average equity | $133,153,330 | 685 |
| Average total loans | $933,519,330 | 616 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5093% | 2,835 |
| Cost of funding earning assets | 0.9967% | 1,576 |
| Net interest margin | 3.5126% | 3,561 |
| Noninterest income to average assets | 0.3957% | 3,208 |
| Noninterest expense to average assets | 2.4623% | 3,599 |
| Loan and lease loss provision to assets | 0.0688% | 2,282 |
| Net operating income to assets | 0.9687% | 2,978 |
| Return on assets (ROA) | 0.9695% | 3,017 |
| Pretax return on assets | 1.1780% | 2,884 |
| Return on Equity (ROE) | 8.5656% | 3,006 |
| Retained earnings to average equity (ytd only) | 7.4258% | 1,876 |
| Net charge-offs to loans | 0.0668% | 1,386 |
| Credit loss provision to net charge-offs | 128.2051% | 1,363 |
| Earnings coverage of net charge-offs (x) | 23.2115% | 1,475 |
| Efficiency ratio | 66.2089% | 2,917 |
| Assets per employee ($millions) | 6.9459% | 1,019 |
| Cash dividends to net income (ytd only)* | 13.3073% | 2,594 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7193% | 4,738 |
| Loan loss allowance to noncurrent loans | 146.2560% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.6785% | 2,065 |
| Noncurrent loans to loans | 0.4918% | 2,842 |
| Net loans and leases to total assets | 79.4774% | 914 |
| Net loans and leases to deposits | 94.5638% | 1,106 |
| Net loans and leases to core deposits | 112.4823% | 807 |
| Total domestic deposits to total assets | 84.0464% | 3,033 |
| Equity capital to assets | 11.4095% | 2,481 |
| Core capital (leverage) ratio | 10.3753% | 3,192 |
| Tier 1 risk-based capital ratio | 12.8815% | 3,941 |
| Total risk-based capital ratio | 13.6570% | 4,089 |
| Memoranda: |
| Average total assets | $1,162,637,000 | 686 |
| Average earning assets | $1,096,400,000 | 666 |
| Average equity | $131,596,000 | 691 |
| Average total loans | $934,768,000 | 618 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3744% | 2,849 |
| Cost of funding earning assets | 0.8044% | 1,504 |
| Net interest margin | 3.5700% | 3,484 |
| Noninterest income to average assets | 0.4503% | 3,100 |
| Noninterest expense to average assets | 2.4688% | 3,701 |
| Loan and lease loss provision to assets | 0.1070% | 2,055 |
| Net operating income to assets | 1.0314% | 2,882 |
| Return on assets (ROA) | 1.0314% | 2,869 |
| Pretax return on assets | 1.2356% | 2,756 |
| Return on Equity (ROE) | 9.2958% | 2,840 |
| Retained earnings to average equity (ytd only) | 7.9694% | 1,249 |
| Net charge-offs to loans | 0.0414% | 2,585 |
| Credit loss provision to net charge-offs | 326.0870% | 960 |
| Earnings coverage of net charge-offs (x) | 40.9049% | 1,285 |
| Efficiency ratio | 64.5582% | 3,107 |
| Assets per employee ($millions) | 6.9495% | 999 |
| Cash dividends to net income (ytd only)* | 14.2697% | 3,701 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7136% | 4,774 |
| Loan loss allowance to noncurrent loans | 115.5044% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.9209% | 1,498 |
| Noncurrent loans to loans | 0.6178% | 2,432 |
| Net loans and leases to total assets | 80.0221% | 939 |
| Net loans and leases to deposits | 94.0923% | 1,267 |
| Net loans and leases to core deposits | 111.6688% | 898 |
| Total domestic deposits to total assets | 85.0464% | 2,628 |
| Equity capital to assets | 11.2060% | 2,507 |
| Core capital (leverage) ratio | 10.2120% | 3,346 |
| Tier 1 risk-based capital ratio | 12.6617% | 4,041 |
| Total risk-based capital ratio | 13.4323% | 4,188 |
| Memoranda: |
| Average total assets | $1,121,145,000 | 686 |
| Average earning assets | $1,055,562,000 | 665 |
| Average equity | $124,389,000 | 695 |
| Average total loans | $888,163,600 | 623 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3112% | 2,923 |
| Cost of funding earning assets | 0.7568% | 1,554 |
| Net interest margin | 3.5544% | 3,507 |
| Noninterest income to average assets | 0.4566% | 3,128 |
| Noninterest expense to average assets | 2.5043% | 3,582 |
| Loan and lease loss provision to assets | 0.1020% | 1,960 |
| Net operating income to assets | 0.9998% | 3,085 |
| Return on assets (ROA) | 0.9998% | 3,099 |
| Pretax return on assets | 1.1974% | 2,994 |
| Return on Equity (ROE) | 9.0348% | 3,064 |
| Retained earnings to average equity (ytd only) | 7.6796% | 1,807 |
| Net charge-offs to loans | 0.0204% | 2,726 |
| Credit loss provision to net charge-offs | 634.3284% | 569 |
| Earnings coverage of net charge-offs (x) | 80.8219% | 874 |
| Efficiency ratio | 65.6184% | 2,937 |
| Assets per employee ($millions) | 6.7572% | 1,042 |
| Cash dividends to net income (ytd only)* | 15.0006% | 3,212 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7221% | 4,831 |
| Loan loss allowance to noncurrent loans | 101.3599% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.0035% | 1,451 |
| Noncurrent loans to loans | 0.7124% | 2,298 |
| Net loans and leases to total assets | 79.9092% | 1,033 |
| Net loans and leases to deposits | 95.9107% | 1,166 |
| Net loans and leases to core deposits | 112.7270% | 881 |
| Total domestic deposits to total assets | 83.3163% | 3,192 |
| Equity capital to assets | 11.1851% | 2,491 |
| Core capital (leverage) ratio | 10.2282% | 3,369 |
| Tier 1 risk-based capital ratio | 12.8868% | 3,969 |
| Total risk-based capital ratio | 13.6765% | 4,125 |
| Memoranda: |
| Average total assets | $1,111,288,000 | 687 |
| Average earning assets | $1,046,462,750 | 673 |
| Average equity | $122,972,750 | 698 |
| Average total loans | $876,357,000 | 631 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2668% | 2,885 |
| Cost of funding earning assets | 0.7076% | 1,580 |
| Net interest margin | 3.5592% | 3,437 |
| Noninterest income to average assets | 0.4436% | 3,197 |
| Noninterest expense to average assets | 2.5536% | 3,465 |
| Loan and lease loss provision to assets | 0.1357% | 1,448 |
| Net operating income to assets | 0.9204% | 3,369 |
| Return on assets (ROA) | 0.9204% | 3,371 |
| Pretax return on assets | 1.1046% | 3,300 |
| Return on Equity (ROE) | 8.3484% | 3,339 |
| Retained earnings to average equity (ytd only) | 6.7897% | 2,171 |
| Net charge-offs to loans | 0.0936% | 1,410 |
| Credit loss provision to net charge-offs | 185.1852% | 1,373 |
| Earnings coverage of net charge-offs (x) | 16.9284% | 1,979 |
| Efficiency ratio | 67.0847% | 2,803 |
| Assets per employee ($millions) | 6.7904% | 1,024 |
| Cash dividends to net income (ytd only)* | 18.6714% | 3,034 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6987% | 4,947 |
| Loan loss allowance to noncurrent loans | 91.7556% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.0291% | 1,460 |
| Noncurrent loans to loans | 0.7615% | 2,217 |
| Net loans and leases to total assets | 77.5499% | 1,387 |
| Net loans and leases to deposits | 94.0913% | 1,348 |
| Net loans and leases to core deposits | 108.7015% | 1,075 |
| Total domestic deposits to total assets | 82.4199% | 3,587 |
| Equity capital to assets | 10.8820% | 2,750 |
| Core capital (leverage) ratio | 10.1018% | 3,478 |
| Tier 1 risk-based capital ratio | 12.6740% | 4,076 |
| Total risk-based capital ratio | 13.4312% | 4,262 |
| Memoranda: |
| Average total assets | $1,105,568,000 | 691 |
| Average earning assets | $1,040,692,000 | 677 |
| Average equity | $121,891,000 | 703 |
| Average total loans | $865,711,670 | 636 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2548% | 2,690 |
| Cost of funding earning assets | 0.6538% | 1,702 |
| Net interest margin | 3.6010% | 3,177 |
| Noninterest income to average assets | 0.4640% | 3,037 |
| Noninterest expense to average assets | 2.4641% | 3,761 |
| Loan and lease loss provision to assets | 0.1374% | 1,373 |
| Net operating income to assets | 1.0343% | 2,717 |
| Return on assets (ROA) | 1.0343% | 2,734 |
| Pretax return on assets | 1.2476% | 2,564 |
| Return on Equity (ROE) | 9.3185% | 2,754 |
| Retained earnings to average equity (ytd only) | 8.4929% | 1,663 |
| Net charge-offs to loans | 0.0341% | 1,829 |
| Credit loss provision to net charge-offs | 513.6986% | 572 |
| Earnings coverage of net charge-offs (x) | 51.7671% | 932 |
| Efficiency ratio | 63.7974% | 3,510 |
| Assets per employee ($millions) | 6.3965% | 1,256 |
| Cash dividends to net income (ytd only)* | 8.8590% | 2,611 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7104% | 5,008 |
| Loan loss allowance to noncurrent loans | 73.0852% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 1.2037% | 1,264 |
| Noncurrent loans to loans | 0.9720% | 1,876 |
| Net loans and leases to total assets | 78.0634% | 1,229 |
| Net loans and leases to deposits | 96.2978% | 1,005 |
| Net loans and leases to core deposits | 107.8444% | 1,135 |
| Total domestic deposits to total assets | 81.0646% | 4,184 |
| Equity capital to assets | 11.0909% | 2,494 |
| Core capital (leverage) ratio | 10.1227% | 3,397 |
| Tier 1 risk-based capital ratio | 12.6769% | 4,125 |
| Total risk-based capital ratio | 13.4380% | 4,338 |
| Memoranda: |
| Average total assets | $1,091,357,000 | 701 |
| Average earning assets | $1,025,936,000 | 691 |
| Average equity | $121,136,000 | 709 |
| Average total loans | $855,769,500 | 643 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2797% | 2,395 |
| Cost of funding earning assets | 0.4853% | 2,456 |
| Net interest margin | 3.7944% | 2,446 |
| Noninterest income to average assets | 0.4828% | 3,110 |
| Noninterest expense to average assets | 2.5778% | 3,515 |
| Loan and lease loss provision to assets | 0.1535% | 1,471 |
| Net operating income to assets | 0.8059% | 3,131 |
| Return on assets (ROA) | 0.8088% | 3,167 |
| Pretax return on assets | 1.3134% | 2,297 |
| Return on Equity (ROE) | 7.4913% | 3,038 |
| Retained earnings to average equity (ytd only) | 7.2772% | 991 |
| Net charge-offs to loans | 0.1445% | 1,633 |
| Credit loss provision to net charge-offs | 139.4958% | 1,898 |
| Earnings coverage of net charge-offs (x) | 13.2874% | 2,409 |
| Efficiency ratio | 63.5719% | 3,668 |
| Assets per employee ($millions) | 6.2937% | 1,325 |
| Cash dividends to net income (ytd only)* | 2.8584% | 4,068 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6902% | 5,090 |
| Loan loss allowance to noncurrent loans | 77.3600% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 1.1444% | 1,305 |
| Noncurrent loans to loans | 0.8922% | 1,993 |
| Net loans and leases to total assets | 77.6616% | 1,326 |
| Net loans and leases to deposits | 97.5700% | 938 |
| Net loans and leases to core deposits | 110.1209% | 993 |
| Total domestic deposits to total assets | 79.5957% | 4,415 |
| Equity capital to assets | 11.1084% | 2,532 |
| Core capital (leverage) ratio | 9.9919% | 3,465 |
| Tier 1 risk-based capital ratio | 12.8406% | 4,009 |
| Total risk-based capital ratio | 13.5915% | 4,213 |
| Memoranda: |
| Average total assets | $1,081,311,000 | 686 |
| Average earning assets | $1,013,731,400 | 671 |
| Average equity | $116,748,800 | 702 |
| Average total loans | $823,453,600 | 638 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2302% | 2,518 |
| Cost of funding earning assets | 0.4645% | 2,574 |
| Net interest margin | 3.7656% | 2,520 |
| Noninterest income to average assets | 0.4728% | 3,195 |
| Noninterest expense to average assets | 2.5505% | 3,566 |
| Loan and lease loss provision to assets | 0.1585% | 1,301 |
| Net operating income to assets | 0.9516% | 2,769 |
| Return on assets (ROA) | 0.9539% | 2,819 |
| Pretax return on assets | 1.2960% | 2,516 |
| Return on Equity (ROE) | 8.8992% | 2,664 |
| Retained earnings to average equity (ytd only) | 8.8992% | 880 |
| Net charge-offs to loans | 0.1735% | 1,208 |
| Credit loss provision to net charge-offs | 120.7707% | 1,998 |
| Earnings coverage of net charge-offs (x) | 11.0602% | 2,535 |
| Efficiency ratio | 63.4881% | 3,647 |
| Assets per employee ($millions) | 6.2337% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6821% | 5,177 |
| Loan loss allowance to noncurrent loans | 78.6779% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.1206% | 1,480 |
| Noncurrent loans to loans | 0.8670% | 2,204 |
| Net loans and leases to total assets | 76.4104% | 1,515 |
| Net loans and leases to deposits | 93.4255% | 1,364 |
| Net loans and leases to core deposits | 104.0012% | 1,390 |
| Total domestic deposits to total assets | 81.7875% | 3,835 |
| Equity capital to assets | 11.2450% | 2,623 |
| Core capital (leverage) ratio | 10.0049% | 3,557 |
| Tier 1 risk-based capital ratio | 12.8945% | 4,085 |
| Total risk-based capital ratio | 13.6188% | 4,304 |
| Memoranda: |
| Average total assets | $1,081,007,750 | 690 |
| Average earning assets | $1,013,144,000 | 672 |
| Average equity | $115,873,250 | 709 |
| Average total loans | $817,680,000 | 645 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1541% | 2,651 |
| Cost of funding earning assets | 0.4418% | 2,676 |
| Net interest margin | 3.7123% | 2,613 |
| Noninterest income to average assets | 0.4742% | 3,185 |
| Noninterest expense to average assets | 2.5232% | 3,680 |
| Loan and lease loss provision to assets | 0.1676% | 1,177 |
| Net operating income to assets | 0.9397% | 2,721 |
| Return on assets (ROA) | 0.9431% | 2,758 |
| Pretax return on assets | 1.2696% | 2,495 |
| Return on Equity (ROE) | 8.9417% | 2,537 |
| Retained earnings to average equity (ytd only) | 8.9417% | 862 |
| Net charge-offs to loans | 0.2488% | 821 |
| Credit loss provision to net charge-offs | 89.5669% | 2,149 |
| Earnings coverage of net charge-offs (x) | 7.6565% | 2,581 |
| Efficiency ratio | 63.5428% | 3,754 |
| Assets per employee ($millions) | 6.3775% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6451% | 5,308 |
| Loan loss allowance to noncurrent loans | 76.7449% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.1167% | 1,558 |
| Noncurrent loans to loans | 0.8405% | 2,304 |
| Net loans and leases to total assets | 74.8269% | 1,726 |
| Net loans and leases to deposits | 90.7286% | 1,638 |
| Net loans and leases to core deposits | 99.8070% | 1,660 |
| Total domestic deposits to total assets | 82.4734% | 3,739 |
| Equity capital to assets | 10.8050% | 3,030 |
| Core capital (leverage) ratio | 9.5419% | 4,081 |
| Tier 1 risk-based capital ratio | 12.2812% | 4,438 |
| Total risk-based capital ratio | 12.9531% | 4,717 |
| Memoranda: |
| Average total assets | $1,086,021,670 | 689 |
| Average earning assets | $1,018,517,670 | 672 |
| Average equity | $114,541,670 | 722 |
| Average total loans | $816,872,330 | 648 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1148% | 2,597 |
| Cost of funding earning assets | 0.4184% | 2,827 |
| Net interest margin | 3.6964% | 2,493 |
| Noninterest income to average assets | 0.4788% | 3,129 |
| Noninterest expense to average assets | 2.4800% | 3,876 |
| Loan and lease loss provision to assets | 0.1196% | 1,600 |
| Net operating income to assets | 0.9704% | 2,435 |
| Return on assets (ROA) | 0.9704% | 2,484 |
| Pretax return on assets | 1.3484% | 2,067 |
| Return on Equity (ROE) | 9.3148% | 2,269 |
| Retained earnings to average equity (ytd only) | 9.3148% | 980 |
| Net charge-offs to loans | 0.1371% | 1,113 |
| Credit loss provision to net charge-offs | 116.0714% | 1,433 |
| Earnings coverage of net charge-offs (x) | 14.2464% | 1,732 |
| Efficiency ratio | 62.5746% | 4,062 |
| Assets per employee ($millions) | 6.8334% | 1,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6635% | 5,380 |
| Loan loss allowance to noncurrent loans | 70.5653% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 1.1422% | 1,547 |
| Noncurrent loans to loans | 0.9403% | 2,165 |
| Net loans and leases to total assets | 74.1891% | 1,706 |
| Net loans and leases to deposits | 89.3271% | 1,628 |
| Net loans and leases to core deposits | 100.3357% | 1,482 |
| Total domestic deposits to total assets | 83.0532% | 3,814 |
| Equity capital to assets | 10.4823% | 3,204 |
| Core capital (leverage) ratio | 9.4691% | 4,152 |
| Tier 1 risk-based capital ratio | 11.6432% | 4,949 |
| Total risk-based capital ratio | 12.3178% | 5,176 |
| Memoranda: |
| Average total assets | $1,086,943,000 | 691 |
| Average earning assets | $1,020,114,000 | 675 |
| Average equity | $113,239,500 | 727 |
| Average total loans | $817,046,000 | 650 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7470% | 4,064 |
| Cost of funding earning assets | 0.3295% | 3,752 |
| Net interest margin | 3.4175% | 3,757 |
| Noninterest income to average assets | 0.6384% | 2,463 |
| Noninterest expense to average assets | 2.9086% | 2,644 |
| Loan and lease loss provision to assets | 0.0886% | 2,593 |
| Net operating income to assets | 0.6569% | 3,968 |
| Return on assets (ROA) | 0.6962% | 3,909 |
| Pretax return on assets | 0.9230% | 3,760 |
| Return on Equity (ROE) | 7.0072% | 3,463 |
| Retained earnings to average equity (ytd only) | -3.9244% | 5,632 |
| Net charge-offs to loans | 0.0523% | 2,996 |
| Credit loss provision to net charge-offs | 250.0000% | 1,154 |
| Earnings coverage of net charge-offs (x) | 27.0719% | 1,527 |
| Efficiency ratio | 75.0831% | 2,130 |
| Assets per employee ($millions) | 6.7534% | 1,027 |
| Cash dividends to net income (ytd only)* | 156.0049% | 143 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6572% | 5,434 |
| Loan loss allowance to noncurrent loans | 57.7369% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 1.0997% | 1,696 |
| Noncurrent loans to loans | 1.1383% | 1,801 |
| Net loans and leases to total assets | 75.1622% | 1,666 |
| Net loans and leases to deposits | 90.8037% | 1,593 |
| Net loans and leases to core deposits | 102.3884% | 1,422 |
| Total domestic deposits to total assets | 82.7743% | 3,835 |
| Equity capital to assets | 10.3533% | 3,323 |
| Core capital (leverage) ratio | 9.0942% | 4,623 |
| Tier 1 risk-based capital ratio | 11.5391% | 5,031 |
| Total risk-based capital ratio | 12.2166% | 5,253 |
| Memoranda: |
| Average total assets | $824,076,400 | 884 |
| Average earning assets | $778,732,000 | 864 |
| Average equity | $81,873,200 | 970 |
| Average total loans | $558,580,800 | 889 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4376% | 4,940 |
| Cost of funding earning assets | 0.2878% | 4,226 |
| Net interest margin | 3.1498% | 4,636 |
| Noninterest income to average assets | 0.7842% | 1,831 |
| Noninterest expense to average assets | 3.0017% | 2,317 |
| Loan and lease loss provision to assets | 0.1105% | 2,083 |
| Net operating income to assets | 0.5085% | 4,669 |
| Return on assets (ROA) | 0.5667% | 4,532 |
| Pretax return on assets | 0.7316% | 4,523 |
| Return on Equity (ROE) | 5.7904% | 4,174 |
| Retained earnings to average equity (ytd only) | -10.2543% | 5,847 |
| Net charge-offs to loans | 0.0707% | 2,302 |
| Credit loss provision to net charge-offs | 240.4580% | 1,233 |
| Earnings coverage of net charge-offs (x) | 16.6758% | 2,098 |
| Efficiency ratio | 79.6070% | 1,483 |
| Assets per employee ($millions) | 5.9189% | 1,502 |
| Cash dividends to net income (ytd only)* | 277.0898% | 52 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0409% | 4,176 |
| Loan loss allowance to noncurrent loans | 76.2912% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 1.2737% | 1,523 |
| Noncurrent loans to loans | 1.3643% | 1,618 |
| Net loans and leases to total assets | 66.0307% | 3,116 |
| Net loans and leases to deposits | 77.8828% | 3,191 |
| Net loans and leases to core deposits | 86.6253% | 2,892 |
| Total domestic deposits to total assets | 84.7821% | 2,899 |
| Equity capital to assets | 9.0575% | 5,117 |
| Core capital (leverage) ratio | 9.0919% | 4,724 |
| Tier 1 risk-based capital ratio | 12.2586% | 4,637 |
| Total risk-based capital ratio | 13.2309% | 4,700 |
| Memoranda: |
| Average total assets | $759,961,000 | 948 |
| Average earning assets | $719,941,250 | 925 |
| Average equity | $74,373,750 | 1,075 |
| Average total loans | $493,843,750 | 986 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4126% | 5,050 |
| Cost of funding earning assets | 0.2736% | 4,406 |
| Net interest margin | 3.1390% | 4,723 |
| Noninterest income to average assets | 0.9131% | 1,334 |
| Noninterest expense to average assets | 2.7869% | 3,068 |
| Loan and lease loss provision to assets | 0.1397% | 1,624 |
| Net operating income to assets | 0.7527% | 3,534 |
| Return on assets (ROA) | 0.8008% | 3,443 |
| Pretax return on assets | 1.0269% | 3,487 |
| Return on Equity (ROE) | 7.9829% | 2,980 |
| Retained earnings to average equity (ytd only) | 7.3260% | 1,464 |
| Net charge-offs to loans | 0.0892% | 1,953 |
| Credit loss provision to net charge-offs | 243.1193% | 1,126 |
| Earnings coverage of net charge-offs (x) | 19.2294% | 1,787 |
| Efficiency ratio | 71.5611% | 2,737 |
| Assets per employee ($millions) | 6.0644% | 1,355 |
| Cash dividends to net income (ytd only)* | 8.2291% | 3,497 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0612% | 4,161 |
| Loan loss allowance to noncurrent loans | 69.1304% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 1.3582% | 1,464 |
| Noncurrent loans to loans | 1.5351% | 1,408 |
| Net loans and leases to total assets | 64.0177% | 3,360 |
| Net loans and leases to deposits | 76.2017% | 3,359 |
| Net loans and leases to core deposits | 84.9898% | 2,989 |
| Total domestic deposits to total assets | 84.0108% | 3,265 |
| Equity capital to assets | 10.2037% | 3,970 |
| Core capital (leverage) ratio | 10.2614% | 3,258 |
| Tier 1 risk-based capital ratio | 14.0148% | 3,596 |
| Total risk-based capital ratio | 14.9933% | 3,670 |
| Memoranda: |
| Average total assets | $758,767,330 | 947 |
| Average earning assets | $720,044,670 | 925 |
| Average equity | $76,112,330 | 1,049 |
| Average total loans | $488,633,330 | 999 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4017% | 5,124 |
| Cost of funding earning assets | 0.2591% | 4,623 |
| Net interest margin | 3.1427% | 4,743 |
| Noninterest income to average assets | 1.2115% | 738 |
| Noninterest expense to average assets | 2.8626% | 2,838 |
| Loan and lease loss provision to assets | 0.1746% | 1,168 |
| Net operating income to assets | 0.9083% | 2,715 |
| Return on assets (ROA) | 0.9211% | 2,756 |
| Pretax return on assets | 1.1750% | 2,803 |
| Return on Equity (ROE) | 9.2625% | 2,302 |
| Retained earnings to average equity (ytd only) | 7.9325% | 1,487 |
| Net charge-offs to loans | 0.0766% | 1,721 |
| Credit loss provision to net charge-offs | 354.8387% | 765 |
| Earnings coverage of net charge-offs (x) | 27.0968% | 1,253 |
| Efficiency ratio | 68.1755% | 3,440 |
| Assets per employee ($millions) | 6.1556% | 1,296 |
| Cash dividends to net income (ytd only)* | 14.3596% | 2,650 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0561% | 4,307 |
| Loan loss allowance to noncurrent loans | 99.6532% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.0005% | 2,206 |
| Noncurrent loans to loans | 1.0598% | 2,273 |
| Net loans and leases to total assets | 63.4816% | 3,323 |
| Net loans and leases to deposits | 75.8199% | 3,238 |
| Net loans and leases to core deposits | 83.3495% | 3,000 |
| Total domestic deposits to total assets | 83.7268% | 3,629 |
| Equity capital to assets | 10.0099% | 4,070 |
| Core capital (leverage) ratio | 10.3147% | 3,175 |
| Tier 1 risk-based capital ratio | 13.9015% | 3,754 |
| Total risk-based capital ratio | 14.8736% | 3,846 |
| Memoranda: |
| Average total assets | $756,092,500 | 949 |
| Average earning assets | $717,987,000 | 924 |
| Average equity | $75,184,500 | 1,058 |
| Average total loans | $485,741,500 | 1,000 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4709% | 5,003 |
| Cost of funding earning assets | 0.2934% | 4,326 |
| Net interest margin | 3.1775% | 4,692 |
| Noninterest income to average assets | 0.6414% | 2,508 |
| Noninterest expense to average assets | 2.5370% | 4,115 |
| Loan and lease loss provision to assets | 0.1486% | 1,585 |
| Net operating income to assets | 0.7690% | 3,470 |
| Return on assets (ROA) | 0.7780% | 3,507 |
| Pretax return on assets | 0.9801% | 3,543 |
| Return on Equity (ROE) | 7.7398% | 3,110 |
| Retained earnings to average equity (ytd only) | 1.9112% | 4,637 |
| Net charge-offs to loans | 0.2294% | 1,298 |
| Credit loss provision to net charge-offs | 102.6952% | 2,441 |
| Earnings coverage of net charge-offs (x) | 7.7230% | 3,046 |
| Efficiency ratio | 69.3672% | 3,328 |
| Assets per employee ($millions) | 6.0885% | 1,323 |
| Cash dividends to net income (ytd only)* | 75.3067% | 1,042 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0244% | 4,471 |
| Loan loss allowance to noncurrent loans | 96.8787% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.0028% | 2,190 |
| Noncurrent loans to loans | 1.0574% | 2,223 |
| Net loans and leases to total assets | 63.6708% | 3,327 |
| Net loans and leases to deposits | 78.6329% | 2,985 |
| Net loans and leases to core deposits | 85.8836% | 2,807 |
| Total domestic deposits to total assets | 80.9722% | 4,492 |
| Equity capital to assets | 9.8765% | 4,103 |
| Core capital (leverage) ratio | 10.1333% | 3,343 |
| Tier 1 risk-based capital ratio | 13.6959% | 3,891 |
| Total risk-based capital ratio | 14.6294% | 4,009 |
| Memoranda: |
| Average total assets | $743,795,600 | 928 |
| Average earning assets | $705,243,800 | 908 |
| Average equity | $74,769,000 | 1,022 |
| Average total loans | $468,961,800 | 988 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4629% | 5,072 |
| Cost of funding earning assets | 0.2905% | 4,447 |
| Net interest margin | 3.1724% | 4,768 |
| Noninterest income to average assets | 0.6216% | 2,629 |
| Noninterest expense to average assets | 2.5378% | 4,086 |
| Loan and lease loss provision to assets | 0.1463% | 1,493 |
| Net operating income to assets | 0.7465% | 3,696 |
| Return on assets (ROA) | 0.7570% | 3,750 |
| Pretax return on assets | 0.9590% | 3,782 |
| Return on Equity (ROE) | 7.4979% | 3,336 |
| Retained earnings to average equity (ytd only) | 6.3419% | 2,044 |
| Net charge-offs to loans | 0.2840% | 940 |
| Credit loss provision to net charge-offs | 82.1573% | 2,580 |
| Earnings coverage of net charge-offs (x) | 6.1311% | 3,095 |
| Efficiency ratio | 69.8541% | 3,230 |
| Assets per employee ($millions) | 6.0327% | 1,350 |
| Cash dividends to net income (ytd only)* | 15.4176% | 3,401 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0053% | 4,717 |
| Loan loss allowance to noncurrent loans | 111.3230% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 0.8516% | 2,753 |
| Noncurrent loans to loans | 0.9031% | 2,716 |
| Net loans and leases to total assets | 62.7563% | 3,495 |
| Net loans and leases to deposits | 76.5263% | 3,239 |
| Net loans and leases to core deposits | 83.9519% | 3,046 |
| Total domestic deposits to total assets | 82.0062% | 4,157 |
| Equity capital to assets | 10.3661% | 3,737 |
| Core capital (leverage) ratio | 10.4338% | 3,127 |
| Tier 1 risk-based capital ratio | 14.4066% | 3,622 |
| Total risk-based capital ratio | 15.3208% | 3,753 |
| Memoranda: |
| Average total assets | $742,522,500 | 940 |
| Average earning assets | $704,087,500 | 908 |
| Average equity | $74,970,250 | 1,024 |
| Average total loans | $465,762,750 | 996 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4450% | 5,124 |
| Cost of funding earning assets | 0.2852% | 4,558 |
| Net interest margin | 3.1598% | 4,788 |
| Noninterest income to average assets | 0.6991% | 2,219 |
| Noninterest expense to average assets | 2.5677% | 4,013 |
| Loan and lease loss provision to assets | 0.1925% | 1,034 |
| Net operating income to assets | 0.7320% | 3,725 |
| Return on assets (ROA) | 0.7454% | 3,757 |
| Pretax return on assets | 0.9517% | 3,768 |
| Return on Equity (ROE) | 7.4488% | 3,347 |
| Retained earnings to average equity (ytd only) | 6.3724% | 2,020 |
| Net charge-offs to loans | 0.2210% | 1,157 |
| Credit loss provision to net charge-offs | 139.3762% | 1,612 |
| Earnings coverage of net charge-offs (x) | 8.1579% | 2,590 |
| Efficiency ratio | 69.4388% | 3,426 |
| Assets per employee ($millions) | 6.0009% | 1,353 |
| Cash dividends to net income (ytd only)* | 14.4509% | 3,357 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0814% | 4,433 |
| Loan loss allowance to noncurrent loans | 110.2763% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.8680% | 2,811 |
| Noncurrent loans to loans | 0.9807% | 2,682 |
| Net loans and leases to total assets | 61.7934% | 3,583 |
| Net loans and leases to deposits | 74.5778% | 3,430 |
| Net loans and leases to core deposits | 78.4205% | 3,535 |
| Total domestic deposits to total assets | 82.8576% | 4,001 |
| Equity capital to assets | 9.9481% | 4,094 |
| Core capital (leverage) ratio | 10.2280% | 3,301 |
| Tier 1 risk-based capital ratio | 14.0986% | 3,864 |
| Total risk-based capital ratio | 15.0778% | 3,948 |
| Memoranda: |
| Average total assets | $742,688,670 | 938 |
| Average earning assets | $704,085,000 | 909 |
| Average equity | $74,320,670 | 1,038 |
| Average total loans | $464,218,330 | 997 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4376% | 5,123 |
| Cost of funding earning assets | 0.2884% | 4,567 |
| Net interest margin | 3.1492% | 4,788 |
| Noninterest income to average assets | 0.6930% | 2,191 |
| Noninterest expense to average assets | 2.6180% | 3,869 |
| Loan and lease loss provision to assets | 0.1630% | 1,235 |
| Net operating income to assets | 0.7134% | 3,736 |
| Return on assets (ROA) | 0.7364% | 3,742 |
| Pretax return on assets | 0.9261% | 3,794 |
| Return on Equity (ROE) | 7.3371% | 3,309 |
| Retained earnings to average equity (ytd only) | 6.5248% | 2,226 |
| Net charge-offs to loans | 0.0139% | 2,898 |
| Credit loss provision to net charge-offs | 1,875.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 121.9375% | 420 |
| Efficiency ratio | 71.1141% | 3,306 |
| Assets per employee ($millions) | 5.9420% | 1,433 |
| Cash dividends to net income (ytd only)* | 11.0701% | 2,710 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1183% | 4,425 |
| Loan loss allowance to noncurrent loans | 76.2226% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 1.0213% | 2,578 |
| Noncurrent loans to loans | 1.4671% | 1,932 |
| Net loans and leases to total assets | 61.2951% | 3,481 |
| Net loans and leases to deposits | 73.1354% | 3,411 |
| Net loans and leases to core deposits | 78.7444% | 3,303 |
| Total domestic deposits to total assets | 83.8105% | 3,884 |
| Equity capital to assets | 9.9929% | 4,157 |
| Core capital (leverage) ratio | 10.2076% | 3,332 |
| Tier 1 risk-based capital ratio | 14.3488% | 3,802 |
| Total risk-based capital ratio | 15.3715% | 3,860 |
| Memoranda: |
| Average total assets | $735,977,000 | 945 |
| Average earning assets | $697,693,500 | 922 |
| Average equity | $73,871,500 | 1,048 |
| Average total loans | $460,160,000 | 1,008 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6353% | 4,981 |
| Cost of funding earning assets | 0.3107% | 4,674 |
| Net interest margin | 3.3245% | 4,490 |
| Noninterest income to average assets | 0.5890% | 2,925 |
| Noninterest expense to average assets | 2.6938% | 3,885 |
| Loan and lease loss provision to assets | 0.1637% | 1,606 |
| Net operating income to assets | 0.6452% | 4,169 |
| Return on assets (ROA) | 0.7384% | 3,795 |
| Pretax return on assets | 0.9813% | 3,573 |
| Return on Equity (ROE) | 7.2473% | 3,490 |
| Retained earnings to average equity (ytd only) | 6.4654% | 1,666 |
| Net charge-offs to loans | 0.1934% | 2,120 |
| Credit loss provision to net charge-offs | 133.4120% | 1,778 |
| Earnings coverage of net charge-offs (x) | 8.3200% | 2,900 |
| Efficiency ratio | 72.4051% | 3,136 |
| Assets per employee ($millions) | 5.6950% | 1,610 |
| Cash dividends to net income (ytd only)* | 10.7885% | 4,099 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0754% | 4,666 |
| Loan loss allowance to noncurrent loans | 71.5995% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 1.0631% | 2,621 |
| Noncurrent loans to loans | 1.5019% | 1,949 |
| Net loans and leases to total assets | 62.3995% | 3,449 |
| Net loans and leases to deposits | 74.5674% | 3,367 |
| Net loans and leases to core deposits | 80.5108% | 3,236 |
| Total domestic deposits to total assets | 83.6821% | 3,851 |
| Equity capital to assets | 10.0830% | 4,004 |
| Core capital (leverage) ratio | 10.5145% | 2,927 |
| Tier 1 risk-based capital ratio | 14.8557% | 3,568 |
| Total risk-based capital ratio | 15.8060% | 3,677 |
| Memoranda: |
| Average total assets | $690,434,200 | 969 |
| Average earning assets | $649,081,000 | 949 |
| Average equity | $70,343,400 | 1,044 |
| Average total loans | $438,034,800 | 1,005 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6619% | 4,964 |
| Cost of funding earning assets | 0.3186% | 4,688 |
| Net interest margin | 3.3433% | 4,456 |
| Noninterest income to average assets | 0.5881% | 2,940 |
| Noninterest expense to average assets | 2.7111% | 3,791 |
| Loan and lease loss provision to assets | 0.1818% | 1,351 |
| Net operating income to assets | 0.6355% | 4,282 |
| Return on assets (ROA) | 0.6983% | 4,044 |
| Pretax return on assets | 0.9154% | 3,926 |
| Return on Equity (ROE) | 6.8351% | 3,796 |
| Retained earnings to average equity (ytd only) | 5.9742% | 2,429 |
| Net charge-offs to loans | 0.2048% | 1,834 |
| Credit loss provision to net charge-offs | 139.6396% | 1,683 |
| Earnings coverage of net charge-offs (x) | 7.7943% | 2,893 |
| Efficiency ratio | 72.6381% | 3,069 |
| Assets per employee ($millions) | 5.6542% | 1,593 |
| Cash dividends to net income (ytd only)* | 12.5946% | 3,471 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0874% | 4,809 |
| Loan loss allowance to noncurrent loans | 81.0045% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 0.9878% | 2,980 |
| Noncurrent loans to loans | 1.3424% | 2,398 |
| Net loans and leases to total assets | 63.9169% | 3,183 |
| Net loans and leases to deposits | 75.4015% | 3,255 |
| Net loans and leases to core deposits | 81.6295% | 3,133 |
| Total domestic deposits to total assets | 84.7686% | 3,434 |
| Equity capital to assets | 10.2612% | 3,843 |
| Core capital (leverage) ratio | 10.7165% | 2,799 |
| Tier 1 risk-based capital ratio | 14.7903% | 3,708 |
| Total risk-based capital ratio | 15.7491% | 3,827 |
| Memoranda: |
| Average total assets | $682,226,500 | 992 |
| Average earning assets | $640,237,000 | 968 |
| Average equity | $69,697,500 | 1,057 |
| Average total loans | $433,488,500 | 1,021 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6741% | 4,935 |
| Cost of funding earning assets | 0.3331% | 4,609 |
| Net interest margin | 3.3410% | 4,436 |
| Noninterest income to average assets | 0.5828% | 2,905 |
| Noninterest expense to average assets | 2.7586% | 3,665 |
| Loan and lease loss provision to assets | 0.1859% | 1,318 |
| Net operating income to assets | 0.5932% | 4,387 |
| Return on assets (ROA) | 0.6698% | 4,092 |
| Pretax return on assets | 0.8716% | 3,989 |
| Return on Equity (ROE) | 6.5662% | 3,852 |
| Retained earnings to average equity (ytd only) | 5.6984% | 2,515 |
| Net charge-offs to loans | 0.1710% | 2,028 |
| Credit loss provision to net charge-offs | 172.1311% | 1,324 |
| Earnings coverage of net charge-offs (x) | 8.8716% | 2,433 |
| Efficiency ratio | 74.0553% | 2,969 |
| Assets per employee ($millions) | 5.3773% | 1,805 |
| Cash dividends to net income (ytd only)* | 13.2159% | 3,372 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1132% | 4,847 |
| Loan loss allowance to noncurrent loans | 94.5810% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 0.8873% | 3,329 |
| Noncurrent loans to loans | 1.1769% | 2,880 |
| Net loans and leases to total assets | 63.0746% | 3,226 |
| Net loans and leases to deposits | 75.0477% | 3,188 |
| Net loans and leases to core deposits | 79.9375% | 3,222 |
| Total domestic deposits to total assets | 84.0461% | 3,907 |
| Equity capital to assets | 10.2707% | 3,730 |
| Core capital (leverage) ratio | 10.7243% | 2,692 |
| Tier 1 risk-based capital ratio | 14.8358% | 3,725 |
| Total risk-based capital ratio | 15.8224% | 3,832 |
| Memoranda: |
| Average total assets | $677,813,330 | 998 |
| Average earning assets | $635,804,000 | 972 |
| Average equity | $69,142,330 | 1,057 |
| Average total loans | $428,182,330 | 1,024 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6813% | 4,911 |
| Cost of funding earning assets | 0.3509% | 4,533 |
| Net interest margin | 3.3305% | 4,419 |
| Noninterest income to average assets | 0.5781% | 2,866 |
| Noninterest expense to average assets | 2.7845% | 3,624 |
| Loan and lease loss provision to assets | 0.2230% | 1,008 |
| Net operating income to assets | 0.5323% | 4,544 |
| Return on assets (ROA) | 0.6399% | 4,087 |
| Pretax return on assets | 0.8320% | 3,968 |
| Return on Equity (ROE) | 6.2954% | 3,855 |
| Retained earnings to average equity (ytd only) | 5.4178% | 2,843 |
| Net charge-offs to loans | 0.2346% | 1,383 |
| Credit loss provision to net charge-offs | 151.2097% | 1,250 |
| Earnings coverage of net charge-offs (x) | 6.2056% | 2,257 |
| Efficiency ratio | 74.9879% | 2,975 |
| Assets per employee ($millions) | 5.3412% | 1,872 |
| Cash dividends to net income (ytd only)* | 13.9405% | 2,624 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1042% | 5,098 |
| Loan loss allowance to noncurrent loans | 87.6060% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 0.9244% | 3,419 |
| Noncurrent loans to loans | 1.2604% | 2,928 |
| Net loans and leases to total assets | 62.2263% | 3,202 |
| Net loans and leases to deposits | 75.4571% | 2,876 |
| Net loans and leases to core deposits | 79.5231% | 3,031 |
| Total domestic deposits to total assets | 82.4658% | 4,797 |
| Equity capital to assets | 10.1118% | 3,708 |
| Core capital (leverage) ratio | 10.6885% | 2,717 |
| Tier 1 risk-based capital ratio | 14.9606% | 3,731 |
| Total risk-based capital ratio | 15.9346% | 3,849 |
| Memoranda: |
| Average total assets | $672,576,000 | 1,011 |
| Average earning assets | $630,421,500 | 988 |
| Average equity | $68,367,500 | 1,071 |
| Average total loans | $422,762,500 | 1,042 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8053% | 4,800 |
| Cost of funding earning assets | 0.4238% | 4,390 |
| Net interest margin | 3.3815% | 4,357 |
| Noninterest income to average assets | 0.6538% | 2,789 |
| Noninterest expense to average assets | 2.6872% | 4,138 |
| Loan and lease loss provision to assets | 0.3878% | 776 |
| Net operating income to assets | 0.5741% | 4,386 |
| Return on assets (ROA) | 0.6470% | 4,153 |
| Pretax return on assets | 0.8340% | 4,021 |
| Return on Equity (ROE) | 6.3380% | 3,904 |
| Retained earnings to average equity (ytd only) | 5.4521% | 2,309 |
| Net charge-offs to loans | 1.1845% | 453 |
| Credit loss provision to net charge-offs | 53.3193% | 3,743 |
| Earnings coverage of net charge-offs (x) | 1.5513% | 4,538 |
| Efficiency ratio | 70.1539% | 3,816 |
| Assets per employee ($millions) | 5.1678% | 1,993 |
| Cash dividends to net income (ytd only)* | 13.9777% | 3,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1130% | 5,084 |
| Loan loss allowance to noncurrent loans | 80.7229% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 1.0203% | 3,385 |
| Noncurrent loans to loans | 1.3788% | 2,831 |
| Net loans and leases to total assets | 62.0924% | 3,346 |
| Net loans and leases to deposits | 73.4900% | 3,331 |
| Net loans and leases to core deposits | 78.8365% | 3,263 |
| Total domestic deposits to total assets | 84.4909% | 3,969 |
| Equity capital to assets | 10.2201% | 3,484 |
| Core capital (leverage) ratio | 10.5605% | 2,835 |
| Tier 1 risk-based capital ratio | 15.3103% | 3,474 |
| Total risk-based capital ratio | 16.2998% | 3,580 |
| Memoranda: |
| Average total assets | $652,361,000 | 1,025 |
| Average earning assets | $609,957,600 | 1,006 |
| Average equity | $66,598,000 | 1,078 |
| Average total loans | $400,582,800 | 1,068 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8161% | 4,791 |
| Cost of funding earning assets | 0.4362% | 4,433 |
| Net interest margin | 3.3799% | 4,357 |
| Noninterest income to average assets | 0.6438% | 2,909 |
| Noninterest expense to average assets | 2.6800% | 4,096 |
| Loan and lease loss provision to assets | 0.4420% | 650 |
| Net operating income to assets | 0.5330% | 4,652 |
| Return on assets (ROA) | 0.6122% | 4,424 |
| Pretax return on assets | 0.7812% | 4,365 |
| Return on Equity (ROE) | 5.9987% | 4,185 |
| Retained earnings to average equity (ytd only) | 5.0642% | 3,033 |
| Net charge-offs to loans | 1.5745% | 279 |
| Credit loss provision to net charge-offs | 45.9782% | 3,598 |
| Earnings coverage of net charge-offs (x) | 1.1668% | 4,456 |
| Efficiency ratio | 70.2201% | 3,721 |
| Assets per employee ($millions) | 5.1222% | 2,027 |
| Cash dividends to net income (ytd only)* | 15.5778% | 3,263 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0786% | 5,411 |
| Loan loss allowance to noncurrent loans | 77.0442% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 1.5013% | 2,684 |
| Noncurrent loans to loans | 1.3999% | 3,070 |
| Net loans and leases to total assets | 60.7107% | 3,577 |
| Net loans and leases to deposits | 71.5239% | 3,570 |
| Net loans and leases to core deposits | 75.9071% | 3,625 |
| Total domestic deposits to total assets | 84.8817% | 3,800 |
| Equity capital to assets | 10.2579% | 3,566 |
| Core capital (leverage) ratio | 10.3356% | 3,189 |
| Tier 1 risk-based capital ratio | 15.1343% | 3,666 |
| Total risk-based capital ratio | 16.0642% | 3,824 |
| Memoranda: |
| Average total assets | $650,080,250 | 1,032 |
| Average earning assets | $607,381,250 | 1,017 |
| Average equity | $66,346,500 | 1,095 |
| Average total loans | $396,890,000 | 1,078 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8364% | 4,708 |
| Cost of funding earning assets | 0.4494% | 4,437 |
| Net interest margin | 3.3870% | 4,239 |
| Noninterest income to average assets | 0.6471% | 2,928 |
| Noninterest expense to average assets | 2.6526% | 4,209 |
| Loan and lease loss provision to assets | 0.1708% | 2,202 |
| Net operating income to assets | 0.7433% | 3,603 |
| Return on assets (ROA) | 0.7927% | 3,493 |
| Pretax return on assets | 1.0573% | 3,268 |
| Return on Equity (ROE) | 7.7802% | 3,203 |
| Retained earnings to average equity (ytd only) | 6.8440% | 1,958 |
| Net charge-offs to loans | 0.3550% | 1,777 |
| Credit loss provision to net charge-offs | 78.9474% | 2,651 |
| Earnings coverage of net charge-offs (x) | 5.3727% | 2,907 |
| Efficiency ratio | 69.2587% | 3,967 |
| Assets per employee ($millions) | 5.3874% | 1,710 |
| Cash dividends to net income (ytd only)* | 12.0342% | 3,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7163% | 2,720 |
| Loan loss allowance to noncurrent loans | 65.9438% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 2.0164% | 2,140 |
| Noncurrent loans to loans | 2.6027% | 1,767 |
| Net loans and leases to total assets | 57.3471% | 4,086 |
| Net loans and leases to deposits | 68.1515% | 3,988 |
| Net loans and leases to core deposits | 72.1714% | 4,013 |
| Total domestic deposits to total assets | 84.1465% | 4,262 |
| Equity capital to assets | 9.9355% | 3,991 |
| Core capital (leverage) ratio | 10.3962% | 2,991 |
| Tier 1 risk-based capital ratio | 15.1752% | 3,658 |
| Total risk-based capital ratio | 16.3711% | 3,660 |
| Memoranda: |
| Average total assets | $649,935,000 | 1,033 |
| Average earning assets | $607,854,330 | 1,016 |
| Average equity | $66,219,000 | 1,097 |
| Average total loans | $396,107,000 | 1,077 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8544% | 4,636 |
| Cost of funding earning assets | 0.4834% | 4,256 |
| Net interest margin | 3.3710% | 4,231 |
| Noninterest income to average assets | 0.7015% | 2,580 |
| Noninterest expense to average assets | 2.7281% | 3,952 |
| Loan and lease loss provision to assets | 0.1123% | 2,829 |
| Net operating income to assets | 0.7535% | 3,419 |
| Return on assets (ROA) | 0.7808% | 3,410 |
| Pretax return on assets | 1.0492% | 3,151 |
| Return on Equity (ROE) | 7.5655% | 3,183 |
| Retained earnings to average equity (ytd only) | 6.6282% | 2,352 |
| Net charge-offs to loans | -0.1052% | 6,470 |
| Credit loss provision to net charge-offs | -171.4286% | 5,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5330% | 3,886 |
| Assets per employee ($millions) | 5.1379% | 2,051 |
| Cash dividends to net income (ytd only)* | 12.3901% | 2,438 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7717% | 2,727 |
| Loan loss allowance to noncurrent loans | 43.7558% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 2.7077% | 1,675 |
| Noncurrent loans to loans | 4.0492% | 1,111 |
| Net loans and leases to total assets | 61.4894% | 3,171 |
| Net loans and leases to deposits | 73.4484% | 2,994 |
| Net loans and leases to core deposits | 78.3430% | 3,012 |
| Total domestic deposits to total assets | 83.7178% | 4,584 |
| Equity capital to assets | 10.3726% | 3,705 |
| Core capital (leverage) ratio | 10.4660% | 2,825 |
| Tier 1 risk-based capital ratio | 14.6933% | 4,043 |
| Total risk-based capital ratio | 15.8929% | 4,037 |
| Memoranda: |
| Average total assets | $640,884,000 | 1,062 |
| Average earning assets | $599,104,000 | 1,044 |
| Average equity | $66,142,000 | 1,111 |
| Average total loans | $399,265,500 | 1,063 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3984% | 3,817 |
| Cost of funding earning assets | 0.5864% | 4,477 |
| Net interest margin | 3.8120% | 3,171 |
| Noninterest income to average assets | 0.5819% | 3,385 |
| Noninterest expense to average assets | 2.7490% | 4,219 |
| Loan and lease loss provision to assets | 0.2320% | 2,813 |
| Net operating income to assets | 0.8383% | 3,104 |
| Return on assets (ROA) | 0.8869% | 3,121 |
| Pretax return on assets | 1.2227% | 2,716 |
| Return on Equity (ROE) | 8.8467% | 2,703 |
| Retained earnings to average equity (ytd only) | 7.7017% | 1,234 |
| Net charge-offs to loans | 0.1934% | 3,826 |
| Credit loss provision to net charge-offs | 186.2996% | 1,403 |
| Earnings coverage of net charge-offs (x) | 11.1472% | 2,066 |
| Efficiency ratio | 66.2132% | 4,461 |
| Assets per employee ($millions) | 5.1575% | 2,038 |
| Cash dividends to net income (ytd only)* | 12.9427% | 3,985 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7246% | 2,837 |
| Loan loss allowance to noncurrent loans | 65.5357% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 1.8052% | 2,706 |
| Noncurrent loans to loans | 2.6315% | 2,011 |
| Net loans and leases to total assets | 60.9294% | 3,435 |
| Net loans and leases to deposits | 73.4278% | 3,185 |
| Net loans and leases to core deposits | 78.4258% | 3,203 |
| Total domestic deposits to total assets | 82.9787% | 4,735 |
| Equity capital to assets | 10.2681% | 3,803 |
| Core capital (leverage) ratio | 10.4894% | 2,780 |
| Tier 1 risk-based capital ratio | 14.5855% | 3,969 |
| Total risk-based capital ratio | 15.7855% | 3,961 |
| Memoranda: |
| Average total assets | $627,206,200 | 1,053 |
| Average earning assets | $584,941,000 | 1,036 |
| Average equity | $62,882,200 | 1,132 |
| Average total loans | $403,880,000 | 1,032 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4724% | 3,743 |
| Cost of funding earning assets | 0.6034% | 4,611 |
| Net interest margin | 3.8690% | 3,031 |
| Noninterest income to average assets | 0.5744% | 3,446 |
| Noninterest expense to average assets | 2.7346% | 4,238 |
| Loan and lease loss provision to assets | 0.2724% | 2,396 |
| Net operating income to assets | 0.8520% | 3,203 |
| Return on assets (ROA) | 0.8889% | 3,278 |
| Pretax return on assets | 1.2284% | 2,877 |
| Return on Equity (ROE) | 8.9214% | 2,838 |
| Retained earnings to average equity (ytd only) | 7.8065% | 1,702 |
| Net charge-offs to loans | 0.2898% | 2,987 |
| Credit loss provision to net charge-offs | 144.5578% | 1,979 |
| Earnings coverage of net charge-offs (x) | 7.6927% | 2,570 |
| Efficiency ratio | 65.1333% | 4,606 |
| Assets per employee ($millions) | 5.2294% | 1,907 |
| Cash dividends to net income (ytd only)* | 12.4971% | 3,345 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6296% | 3,417 |
| Loan loss allowance to noncurrent loans | 66.7175% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 2.1597% | 2,480 |
| Noncurrent loans to loans | 2.4425% | 2,353 |
| Net loans and leases to total assets | 63.0756% | 3,193 |
| Net loans and leases to deposits | 76.2107% | 2,948 |
| Net loans and leases to core deposits | 81.5893% | 3,016 |
| Total domestic deposits to total assets | 82.7647% | 4,737 |
| Equity capital to assets | 10.3110% | 4,066 |
| Core capital (leverage) ratio | 10.3037% | 3,159 |
| Tier 1 risk-based capital ratio | 14.4007% | 4,260 |
| Total risk-based capital ratio | 15.6069% | 4,262 |
| Memoranda: |
| Average total assets | $624,126,000 | 1,066 |
| Average earning assets | $582,283,250 | 1,044 |
| Average equity | $62,186,000 | 1,155 |
| Average total loans | $405,725,500 | 1,035 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4398% | 4,025 |
| Cost of funding earning assets | 0.6175% | 4,742 |
| Net interest margin | 3.8224% | 3,255 |
| Noninterest income to average assets | 0.6337% | 3,050 |
| Noninterest expense to average assets | 2.7500% | 4,218 |
| Loan and lease loss provision to assets | 0.2889% | 2,272 |
| Net operating income to assets | 0.8370% | 3,208 |
| Return on assets (ROA) | 0.8552% | 3,381 |
| Pretax return on assets | 1.1875% | 2,982 |
| Return on Equity (ROE) | 8.6851% | 2,945 |
| Retained earnings to average equity (ytd only) | 6.9898% | 2,110 |
| Net charge-offs to loans | 0.4179% | 2,362 |
| Credit loss provision to net charge-offs | 105.8824% | 2,570 |
| Earnings coverage of net charge-offs (x) | 5.3176% | 2,857 |
| Efficiency ratio | 65.2606% | 4,675 |
| Assets per employee ($millions) | 5.2078% | 1,920 |
| Cash dividends to net income (ytd only)* | 19.5195% | 3,000 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5260% | 3,892 |
| Loan loss allowance to noncurrent loans | 69.0138% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 1.9877% | 2,793 |
| Noncurrent loans to loans | 2.2112% | 2,704 |
| Net loans and leases to total assets | 63.1135% | 3,212 |
| Net loans and leases to deposits | 75.9896% | 2,997 |
| Net loans and leases to core deposits | 79.5286% | 3,284 |
| Total domestic deposits to total assets | 83.0555% | 4,735 |
| Equity capital to assets | 9.8582% | 4,534 |
| Core capital (leverage) ratio | 10.1967% | 3,148 |
| Tier 1 risk-based capital ratio | 13.7288% | 4,641 |
| Total risk-based capital ratio | 14.9363% | 4,653 |
| Memoranda: |
| Average total assets | $622,990,330 | 1,066 |
| Average earning assets | $581,420,000 | 1,040 |
| Average equity | $61,346,330 | 1,165 |
| Average total loans | $406,841,670 | 1,030 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4226% | 4,232 |
| Cost of funding earning assets | 0.6336% | 4,862 |
| Net interest margin | 3.7890% | 3,441 |
| Noninterest income to average assets | 0.5836% | 3,332 |
| Noninterest expense to average assets | 2.7846% | 4,101 |
| Loan and lease loss provision to assets | 0.2756% | 2,257 |
| Net operating income to assets | 0.7665% | 3,535 |
| Return on assets (ROA) | 0.7665% | 3,773 |
| Pretax return on assets | 1.0564% | 3,479 |
| Return on Equity (ROE) | 7.7888% | 3,366 |
| Retained earnings to average equity (ytd only) | 6.0887% | 2,906 |
| Net charge-offs to loans | 0.4397% | 1,993 |
| Credit loss provision to net charge-offs | 95.0783% | 2,457 |
| Earnings coverage of net charge-offs (x) | 4.5951% | 2,548 |
| Efficiency ratio | 67.4543% | 4,277 |
| Assets per employee ($millions) | 5.1728% | 2,027 |
| Cash dividends to net income (ytd only)* | 21.8274% | 2,293 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4994% | 4,155 |
| Loan loss allowance to noncurrent loans | 83.7926% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.7562% | 3,231 |
| Noncurrent loans to loans | 1.7894% | 3,425 |
| Net loans and leases to total assets | 64.4657% | 2,769 |
| Net loans and leases to deposits | 78.2683% | 2,458 |
| Net loans and leases to core deposits | 82.1554% | 2,809 |
| Total domestic deposits to total assets | 82.3651% | 5,171 |
| Equity capital to assets | 9.8055% | 4,364 |
| Core capital (leverage) ratio | 10.2846% | 3,013 |
| Tier 1 risk-based capital ratio | 13.8845% | 4,542 |
| Total risk-based capital ratio | 15.0932% | 4,554 |
| Memoranda: |
| Average total assets | $616,811,000 | 1,077 |
| Average earning assets | $575,138,000 | 1,053 |
| Average equity | $60,702,500 | 1,172 |
| Average total loans | $406,660,000 | 1,035 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5886% | 4,718 |
| Cost of funding earning assets | 0.7602% | 5,133 |
| Net interest margin | 3.8285% | 3,684 |
| Noninterest income to average assets | 0.5841% | 3,258 |
| Noninterest expense to average assets | 2.7267% | 4,637 |
| Loan and lease loss provision to assets | 0.2417% | 3,791 |
| Net operating income to assets | 0.8464% | 2,844 |
| Return on assets (ROA) | 0.8508% | 2,969 |
| Pretax return on assets | 1.1882% | 2,500 |
| Return on Equity (ROE) | 9.0953% | 2,404 |
| Retained earnings to average equity (ytd only) | 4.2736% | 3,142 |
| Net charge-offs to loans | 0.2944% | 3,937 |
| Credit loss provision to net charge-offs | 123.3333% | 2,554 |
| Earnings coverage of net charge-offs (x) | 7.2650% | 2,365 |
| Efficiency ratio | 65.5046% | 4,865 |
| Assets per employee ($millions) | 5.1942% | 1,951 |
| Cash dividends to net income (ytd only)* | 53.0134% | 1,901 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5269% | 3,902 |
| Loan loss allowance to noncurrent loans | 80.6595% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.8765% | 3,148 |
| Noncurrent loans to loans | 1.8931% | 3,353 |
| Net loans and leases to total assets | 65.4120% | 2,897 |
| Net loans and leases to deposits | 79.7980% | 2,557 |
| Net loans and leases to core deposits | 83.1192% | 3,004 |
| Total domestic deposits to total assets | 81.9720% | 5,137 |
| Equity capital to assets | 9.8783% | 4,331 |
| Core capital (leverage) ratio | 10.1116% | 3,209 |
| Tier 1 risk-based capital ratio | 14.2867% | 4,118 |
| Total risk-based capital ratio | 15.4933% | 4,109 |
| Memoranda: |
| Average total assets | $612,347,000 | 1,064 |
| Average earning assets | $570,410,800 | 1,035 |
| Average equity | $57,282,400 | 1,187 |
| Average total loans | $407,640,600 | 1,041 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6048% | 4,848 |
| Cost of funding earning assets | 0.7886% | 5,225 |
| Net interest margin | 3.8162% | 3,792 |
| Noninterest income to average assets | 0.5968% | 3,183 |
| Noninterest expense to average assets | 2.7044% | 4,707 |
| Loan and lease loss provision to assets | 0.2777% | 3,295 |
| Net operating income to assets | 0.8318% | 3,012 |
| Return on assets (ROA) | 0.8321% | 3,176 |
| Pretax return on assets | 1.1696% | 2,743 |
| Return on Equity (ROE) | 9.0206% | 2,585 |
| Retained earnings to average equity (ytd only) | 2.9943% | 4,559 |
| Net charge-offs to loans | 0.2581% | 3,817 |
| Credit loss provision to net charge-offs | 161.5676% | 1,902 |
| Earnings coverage of net charge-offs (x) | 8.4172% | 2,182 |
| Efficiency ratio | 64.9513% | 4,902 |
| Assets per employee ($millions) | 5.0849% | 2,085 |
| Cash dividends to net income (ytd only)* | 66.8059% | 973 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5487% | 3,892 |
| Loan loss allowance to noncurrent loans | 79.3202% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.9366% | 3,219 |
| Noncurrent loans to loans | 1.9525% | 3,423 |
| Net loans and leases to total assets | 66.3739% | 2,807 |
| Net loans and leases to deposits | 81.1839% | 2,500 |
| Net loans and leases to core deposits | 85.3984% | 2,860 |
| Total domestic deposits to total assets | 81.7575% | 5,177 |
| Equity capital to assets | 9.7567% | 4,693 |
| Core capital (leverage) ratio | 9.6153% | 3,970 |
| Tier 1 risk-based capital ratio | 13.9850% | 4,365 |
| Total risk-based capital ratio | 15.1923% | 4,361 |
| Memoranda: |
| Average total assets | $613,504,500 | 1,068 |
| Average earning assets | $571,451,500 | 1,041 |
| Average equity | $56,595,000 | 1,198 |
| Average total loans | $408,629,750 | 1,039 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5709% | 5,097 |
| Cost of funding earning assets | 0.8132% | 5,286 |
| Net interest margin | 3.7577% | 3,997 |
| Noninterest income to average assets | 0.6157% | 3,032 |
| Noninterest expense to average assets | 2.7116% | 4,772 |
| Loan and lease loss provision to assets | 0.2772% | 3,159 |
| Net operating income to assets | 0.7994% | 3,080 |
| Return on assets (ROA) | 0.7999% | 3,200 |
| Pretax return on assets | 1.1282% | 2,731 |
| Return on Equity (ROE) | 8.8393% | 2,579 |
| Retained earnings to average equity (ytd only) | 8.8393% | 1,157 |
| Net charge-offs to loans | 0.1437% | 4,331 |
| Credit loss provision to net charge-offs | 290.7850% | 1,051 |
| Earnings coverage of net charge-offs (x) | 14.7338% | 1,462 |
| Efficiency ratio | 65.6759% | 4,940 |
| Assets per employee ($millions) | 5.2141% | 1,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5433% | 3,927 |
| Loan loss allowance to noncurrent loans | 93.5259% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 1.6919% | 3,649 |
| Noncurrent loans to loans | 1.6502% | 3,936 |
| Net loans and leases to total assets | 65.1492% | 3,219 |
| Net loans and leases to deposits | 79.1930% | 2,942 |
| Net loans and leases to core deposits | 83.7217% | 3,253 |
| Total domestic deposits to total assets | 82.2663% | 5,075 |
| Equity capital to assets | 9.1592% | 5,340 |
| Core capital (leverage) ratio | 9.3773% | 4,147 |
| Tier 1 risk-based capital ratio | 13.4620% | 4,561 |
| Total risk-based capital ratio | 14.6233% | 4,614 |
| Memoranda: |
| Average total assets | $614,611,330 | 1,077 |
| Average earning assets | $572,582,000 | 1,048 |
| Average equity | $55,615,330 | 1,206 |
| Average total loans | $407,715,000 | 1,055 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5797% | 5,029 |
| Cost of funding earning assets | 0.8461% | 5,297 |
| Net interest margin | 3.7336% | 3,928 |
| Noninterest income to average assets | 0.6279% | 2,979 |
| Noninterest expense to average assets | 2.8005% | 4,440 |
| Loan and lease loss provision to assets | 0.2810% | 2,906 |
| Net operating income to assets | 0.7218% | 3,423 |
| Return on assets (ROA) | 0.7222% | 3,486 |
| Pretax return on assets | 1.0164% | 3,074 |
| Return on Equity (ROE) | 8.0323% | 2,894 |
| Retained earnings to average equity (ytd only) | 8.0323% | 1,719 |
| Net charge-offs to loans | 0.0030% | 5,090 |
| Credit loss provision to net charge-offs | 14,200.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 655.3333% | 31 |
| Efficiency ratio | 68.1584% | 4,626 |
| Assets per employee ($millions) | 5.0022% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5402% | 4,007 |
| Loan loss allowance to noncurrent loans | 92.2481% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 1.7972% | 3,577 |
| Noncurrent loans to loans | 1.6696% | 3,981 |
| Net loans and leases to total assets | 66.0682% | 2,988 |
| Net loans and leases to deposits | 79.4103% | 2,825 |
| Net loans and leases to core deposits | 84.0955% | 3,147 |
| Total domestic deposits to total assets | 83.1986% | 4,853 |
| Equity capital to assets | 9.0480% | 5,127 |
| Core capital (leverage) ratio | 9.3680% | 4,018 |
| Tier 1 risk-based capital ratio | 13.1939% | 4,672 |
| Total risk-based capital ratio | 14.3208% | 4,754 |
| Memoranda: |
| Average total assets | $606,464,000 | 1,102 |
| Average earning assets | $563,533,500 | 1,083 |
| Average equity | $54,530,000 | 1,225 |
| Average total loans | $402,836,000 | 1,082 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5553% | 6,234 |
| Cost of funding earning assets | 1.1693% | 4,736 |
| Net interest margin | 3.3860% | 5,683 |
| Noninterest income to average assets | 0.5532% | 3,797 |
| Noninterest expense to average assets | 2.7428% | 4,805 |
| Loan and lease loss provision to assets | 0.3599% | 3,964 |
| Net operating income to assets | 0.4255% | 4,432 |
| Return on assets (ROA) | 0.6573% | 3,547 |
| Pretax return on assets | 0.9219% | 3,190 |
| Return on Equity (ROE) | 7.5681% | 2,862 |
| Retained earnings to average equity (ytd only) | 6.6331% | 1,494 |
| Net charge-offs to loans | 0.4824% | 3,693 |
| Credit loss provision to net charge-offs | 122.4986% | 3,415 |
| Earnings coverage of net charge-offs (x) | 3.2515% | 3,452 |
| Efficiency ratio | 73.9514% | 3,408 |
| Assets per employee ($millions) | 5.0222% | 2,128 |
| Cash dividends to net income (ytd only)* | 12.3548% | 3,683 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4852% | 4,092 |
| Loan loss allowance to noncurrent loans | 81.4620% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 1.8795% | 3,514 |
| Noncurrent loans to loans | 1.8232% | 3,787 |
| Net loans and leases to total assets | 64.7608% | 3,719 |
| Net loans and leases to deposits | 79.0700% | 3,331 |
| Net loans and leases to core deposits | 84.5348% | 3,519 |
| Total domestic deposits to total assets | 81.9032% | 5,215 |
| Equity capital to assets | 8.9342% | 5,229 |
| Core capital (leverage) ratio | 9.1609% | 4,242 |
| Tier 1 risk-based capital ratio | 12.9107% | 4,674 |
| Total risk-based capital ratio | 14.1082% | 4,692 |
| Memoranda: |
| Average total assets | $615,694,000 | 1,086 |
| Average earning assets | $571,860,800 | 1,053 |
| Average equity | $53,474,600 | 1,252 |
| Average total loans | $375,000,400 | 1,211 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5671% | 6,421 |
| Cost of funding earning assets | 1.2269% | 4,703 |
| Net interest margin | 3.3402% | 5,884 |
| Noninterest income to average assets | 0.5441% | 3,836 |
| Noninterest expense to average assets | 2.7575% | 4,653 |
| Loan and lease loss provision to assets | 0.3104% | 4,095 |
| Net operating income to assets | 0.4142% | 4,687 |
| Return on assets (ROA) | 0.6279% | 3,928 |
| Pretax return on assets | 0.8765% | 3,637 |
| Return on Equity (ROE) | 7.2806% | 3,213 |
| Retained earnings to average equity (ytd only) | 7.2806% | 1,708 |
| Net charge-offs to loans | 0.2914% | 4,201 |
| Credit loss provision to net charge-offs | 178.3416% | 2,066 |
| Earnings coverage of net charge-offs (x) | 5.1138% | 2,847 |
| Efficiency ratio | 75.3794% | 3,060 |
| Assets per employee ($millions) | 4.8963% | 2,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5860% | 3,583 |
| Loan loss allowance to noncurrent loans | 70.8817% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.9987% | 3,473 |
| Noncurrent loans to loans | 2.2375% | 3,406 |
| Net loans and leases to total assets | 62.4464% | 4,436 |
| Net loans and leases to deposits | 76.6663% | 4,060 |
| Net loans and leases to core deposits | 82.6363% | 4,146 |
| Total domestic deposits to total assets | 81.4522% | 5,219 |
| Equity capital to assets | 9.2066% | 5,301 |
| Core capital (leverage) ratio | 8.9864% | 4,717 |
| Tier 1 risk-based capital ratio | 13.5688% | 4,148 |
| Total risk-based capital ratio | 14.7641% | 4,150 |
| Memoranda: |
| Average total assets | $618,952,750 | 1,082 |
| Average earning assets | $575,080,750 | 1,058 |
| Average equity | $53,382,500 | 1,254 |
| Average total loans | $369,707,750 | 1,235 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5598% | 6,561 |
| Cost of funding earning assets | 1.3143% | 4,452 |
| Net interest margin | 3.2455% | 6,181 |
| Noninterest income to average assets | 0.5593% | 3,634 |
| Noninterest expense to average assets | 2.8072% | 4,452 |
| Loan and lease loss provision to assets | 0.2652% | 4,273 |
| Net operating income to assets | 0.3635% | 4,916 |
| Return on assets (ROA) | 0.5927% | 4,046 |
| Pretax return on assets | 0.8123% | 3,839 |
| Return on Equity (ROE) | 7.0264% | 3,287 |
| Retained earnings to average equity (ytd only) | 7.0264% | 1,819 |
| Net charge-offs to loans | 0.1509% | 4,731 |
| Credit loss provision to net charge-offs | 300.3636% | 1,216 |
| Earnings coverage of net charge-offs (x) | 8.6473% | 2,112 |
| Efficiency ratio | 78.3922% | 2,659 |
| Assets per employee ($millions) | 4.9907% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6284% | 3,328 |
| Loan loss allowance to noncurrent loans | 67.7075% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 2.0067% | 3,494 |
| Noncurrent loans to loans | 2.4050% | 3,247 |
| Net loans and leases to total assets | 58.8448% | 5,274 |
| Net loans and leases to deposits | 72.5211% | 4,907 |
| Net loans and leases to core deposits | 76.8171% | 5,103 |
| Total domestic deposits to total assets | 81.1417% | 5,355 |
| Equity capital to assets | 8.8103% | 5,733 |
| Core capital (leverage) ratio | 8.8030% | 4,909 |
| Tier 1 risk-based capital ratio | 13.5325% | 4,047 |
| Total risk-based capital ratio | 14.7275% | 4,048 |
| Memoranda: |
| Average total assets | $622,890,000 | 1,081 |
| Average earning assets | $577,963,000 | 1,058 |
| Average equity | $52,544,330 | 1,266 |
| Average total loans | $364,527,670 | 1,257 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5980% | 6,568 |
| Cost of funding earning assets | 1.4698% | 3,739 |
| Net interest margin | 3.1283% | 6,524 |
| Noninterest income to average assets | 0.5594% | 3,571 |
| Noninterest expense to average assets | 2.9457% | 3,878 |
| Loan and lease loss provision to assets | 0.2727% | 3,845 |
| Net operating income to assets | 0.1754% | 5,771 |
| Return on assets (ROA) | 0.5095% | 4,486 |
| Pretax return on assets | 0.6830% | 4,300 |
| Return on Equity (ROE) | 6.1759% | 3,782 |
| Retained earnings to average equity (ytd only) | 6.1759% | 2,534 |
| Net charge-offs to loans | 0.0509% | 4,896 |
| Credit loss provision to net charge-offs | 926.0870% | 499 |
| Earnings coverage of net charge-offs (x) | 17.3261% | 1,290 |
| Efficiency ratio | 85.0157% | 1,907 |
| Assets per employee ($millions) | 5.2112% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6092% | 3,395 |
| Loan loss allowance to noncurrent loans | 61.4844% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 2.1208% | 3,353 |
| Noncurrent loans to loans | 2.6172% | 3,048 |
| Net loans and leases to total assets | 58.2380% | 5,389 |
| Net loans and leases to deposits | 71.4936% | 5,127 |
| Net loans and leases to core deposits | 76.5974% | 5,179 |
| Total domestic deposits to total assets | 81.4591% | 5,286 |
| Equity capital to assets | 8.4634% | 6,054 |
| Core capital (leverage) ratio | 8.3205% | 5,705 |
| Tier 1 risk-based capital ratio | 13.1831% | 4,220 |
| Total risk-based capital ratio | 14.3774% | 4,208 |
| Memoranda: |
| Average total assets | $624,914,500 | 1,104 |
| Average earning assets | $578,598,000 | 1,082 |
| Average equity | $51,555,500 | 1,296 |
| Average total loans | $361,699,500 | 1,305 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7216% | 7,104 |
| Cost of funding earning assets | 1.8377% | 3,793 |
| Net interest margin | 2.8839% | 6,893 |
| Noninterest income to average assets | 0.5257% | 4,210 |
| Noninterest expense to average assets | 2.7741% | 5,073 |
| Loan and lease loss provision to assets | 0.2215% | 5,589 |
| Net operating income to assets | 0.1536% | 5,042 |
| Return on assets (ROA) | 0.3475% | 4,426 |
| Pretax return on assets | 0.4080% | 4,479 |
| Return on Equity (ROE) | 4.3800% | 3,936 |
| Retained earnings to average equity (ytd only) | 3.3514% | 2,823 |
| Net charge-offs to loans | 0.1265% | 5,926 |
| Credit loss provision to net charge-offs | 306.0046% | 1,079 |
| Earnings coverage of net charge-offs (x) | 5.5450% | 2,563 |
| Efficiency ratio | 87.0998% | 1,978 |
| Assets per employee ($millions) | 4.5677% | 2,811 |
| Cash dividends to net income (ytd only)* | 23.4841% | 3,561 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5238% | 3,603 |
| Loan loss allowance to noncurrent loans | 59.6493% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 2.1360% | 3,223 |
| Noncurrent loans to loans | 2.5546% | 3,000 |
| Net loans and leases to total assets | 55.7478% | 5,986 |
| Net loans and leases to deposits | 69.5992% | 5,656 |
| Net loans and leases to core deposits | 84.3419% | 5,683 |
| Total domestic deposits to total assets | 80.0984% | 5,645 |
| Equity capital to assets | 8.0433% | 6,532 |
| Core capital (leverage) ratio | 8.1789% | 5,852 |
| Tier 1 risk-based capital ratio | 12.7905% | 4,292 |
| Total risk-based capital ratio | 13.9858% | 4,278 |
| Memoranda: |
| Average total assets | $598,069,200 | 1,156 |
| Average earning assets | $549,541,400 | 1,148 |
| Average equity | $47,443,400 | 1,414 |
| Average total loans | $342,234,400 | 1,414 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7390% | 7,223 |
| Cost of funding earning assets | 1.8800% | 3,986 |
| Net interest margin | 2.8590% | 6,942 |
| Noninterest income to average assets | 0.5382% | 4,173 |
| Noninterest expense to average assets | 2.8026% | 4,885 |
| Loan and lease loss provision to assets | 0.1585% | 5,764 |
| Net operating income to assets | 0.1719% | 5,241 |
| Return on assets (ROA) | 0.3342% | 4,759 |
| Pretax return on assets | 0.3847% | 4,838 |
| Return on Equity (ROE) | 4.2288% | 4,286 |
| Retained earnings to average equity (ytd only) | 2.8306% | 3,751 |
| Net charge-offs to loans | 0.0501% | 6,218 |
| Credit loss provision to net charge-offs | 551.1811% | 710 |
| Earnings coverage of net charge-offs (x) | 12.4015% | 1,765 |
| Efficiency ratio | 88.4469% | 1,819 |
| Assets per employee ($millions) | 4.7212% | 2,523 |
| Cash dividends to net income (ytd only)* | 33.0623% | 2,756 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4711% | 3,591 |
| Loan loss allowance to noncurrent loans | 55.9254% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 2.1338% | 3,183 |
| Noncurrent loans to loans | 2.6304% | 2,873 |
| Net loans and leases to total assets | 53.8038% | 6,401 |
| Net loans and leases to deposits | 68.3769% | 6,099 |
| Net loans and leases to core deposits | 86.2965% | 5,834 |
| Total domestic deposits to total assets | 78.6872% | 5,899 |
| Equity capital to assets | 7.8919% | 6,953 |
| Core capital (leverage) ratio | 8.1144% | 6,163 |
| Tier 1 risk-based capital ratio | 12.7035% | 4,391 |
| Total risk-based capital ratio | 13.9060% | 4,381 |
| Memoranda: |
| Average total assets | $588,858,250 | 1,185 |
| Average earning assets | $539,841,750 | 1,182 |
| Average equity | $46,537,250 | 1,471 |
| Average total loans | $337,936,250 | 1,444 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7965% | 7,234 |
| Cost of funding earning assets | 1.9116% | 4,205 |
| Net interest margin | 2.8849% | 6,833 |
| Noninterest income to average assets | 0.5547% | 3,995 |
| Noninterest expense to average assets | 2.9693% | 4,213 |
| Loan and lease loss provision to assets | 0.1401% | 5,675 |
| Net operating income to assets | 0.0664% | 5,658 |
| Return on assets (ROA) | 0.2497% | 5,184 |
| Pretax return on assets | 0.2633% | 5,289 |
| Return on Equity (ROE) | 3.1578% | 4,843 |
| Retained earnings to average equity (ytd only) | 0.9965% | 4,776 |
| Net charge-offs to loans | 0.0390% | 5,920 |
| Credit loss provision to net charge-offs | 615.3846% | 750 |
| Earnings coverage of net charge-offs (x) | 9.2462% | 2,158 |
| Efficiency ratio | 93.1057% | 1,560 |
| Assets per employee ($millions) | 4.6270% | 2,558 |
| Cash dividends to net income (ytd only)* | 68.4432% | 1,417 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4768% | 3,318 |
| Loan loss allowance to noncurrent loans | 59.9196% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 2.1051% | 3,054 |
| Noncurrent loans to loans | 2.4646% | 2,935 |
| Net loans and leases to total assets | 53.7413% | 6,489 |
| Net loans and leases to deposits | 72.5380% | 5,661 |
| Net loans and leases to core deposits | 85.1820% | 5,995 |
| Total domestic deposits to total assets | 74.0871% | 6,942 |
| Equity capital to assets | 7.8983% | 6,868 |
| Core capital (leverage) ratio | 8.7010% | 5,087 |
| Tier 1 risk-based capital ratio | 12.8297% | 4,264 |
| Total risk-based capital ratio | 14.0211% | 4,218 |
| Memoranda: |
| Average total assets | $571,115,000 | 1,240 |
| Average earning assets | $519,670,670 | 1,245 |
| Average equity | $45,158,670 | 1,523 |
| Average total loans | $333,706,330 | 1,496 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9307% | 7,101 |
| Cost of funding earning assets | 1.9995% | 4,132 |
| Net interest margin | 2.9311% | 6,665 |
| Noninterest income to average assets | 0.5609% | 3,828 |
| Noninterest expense to average assets | 2.9763% | 3,866 |
| Loan and lease loss provision to assets | 0.0726% | 6,052 |
| Net operating income to assets | 0.1315% | 5,879 |
| Return on assets (ROA) | 0.4484% | 4,828 |
| Pretax return on assets | 0.5130% | 5,047 |
| Return on Equity (ROE) | 5.6674% | 4,187 |
| Retained earnings to average equity (ytd only) | 2.7420% | 4,359 |
| Net charge-offs to loans | 0.0527% | 4,734 |
| Credit loss provision to net charge-offs | 227.2727% | 2,011 |
| Earnings coverage of net charge-offs (x) | 6.9318% | 2,415 |
| Efficiency ratio | 92.8069% | 1,516 |
| Assets per employee ($millions) | 4.5097% | 2,703 |
| Cash dividends to net income (ytd only)* | 51.6181% | 1,711 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3999% | 3,503 |
| Loan loss allowance to noncurrent loans | 74.8548% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 1.8871% | 3,079 |
| Noncurrent loans to loans | 1.8702% | 3,459 |
| Net loans and leases to total assets | 57.5252% | 6,017 |
| Net loans and leases to deposits | 75.9308% | 5,236 |
| Net loans and leases to core deposits | 88.1625% | 5,723 |
| Total domestic deposits to total assets | 75.7600% | 6,562 |
| Equity capital to assets | 8.5061% | 6,062 |
| Core capital (leverage) ratio | 9.4825% | 4,007 |
| Tier 1 risk-based capital ratio | 12.5348% | 4,523 |
| Total risk-based capital ratio | 13.6641% | 4,528 |
| Memoranda: |
| Average total assets | $551,292,000 | 1,286 |
| Average earning assets | $495,917,500 | 1,308 |
| Average equity | $43,618,000 | 1,564 |
| Average total loans | $333,984,000 | 1,504 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6631% | 6,893 |
| Cost of funding earning assets | 2.4888% | 4,264 |
| Net interest margin | 3.1743% | 6,450 |
| Noninterest income to average assets | 0.6372% | 3,577 |
| Noninterest expense to average assets | 3.0993% | 3,693 |
| Loan and lease loss provision to assets | 0.3740% | 3,442 |
| Net operating income to assets | 0.0950% | 6,124 |
| Return on assets (ROA) | 0.2663% | 5,478 |
| Pretax return on assets | 0.2784% | 5,556 |
| Return on Equity (ROE) | 3.5574% | 5,013 |
| Retained earnings to average equity (ytd only) | -0.2426% | 5,360 |
| Net charge-offs to loans | 0.4104% | 2,764 |
| Credit loss provision to net charge-offs | 152.4169% | 3,434 |
| Earnings coverage of net charge-offs (x) | 1.9313% | 5,101 |
| Efficiency ratio | 86.4820% | 1,804 |
| Assets per employee ($millions) | 4.4162% | 2,762 |
| Cash dividends to net income (ytd only)* | 106.8198% | 850 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3627% | 3,405 |
| Loan loss allowance to noncurrent loans | 168.3186% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 1.4275% | 3,349 |
| Noncurrent loans to loans | 0.8096% | 5,018 |
| Net loans and leases to total assets | 62.1061% | 5,612 |
| Net loans and leases to deposits | 81.1374% | 4,849 |
| Net loans and leases to core deposits | 98.1042% | 5,030 |
| Total domestic deposits to total assets | 76.5444% | 6,111 |
| Equity capital to assets | 7.2801% | 7,572 |
| Core capital (leverage) ratio | 7.4048% | 7,302 |
| Tier 1 risk-based capital ratio | 10.7340% | 5,969 |
| Total risk-based capital ratio | 11.9331% | 5,928 |
| Memoranda: |
| Average total assets | $539,515,800 | 1,261 |
| Average earning assets | $499,001,800 | 1,235 |
| Average equity | $40,395,200 | 1,662 |
| Average total loans | $322,636,200 | 1,504 |
